Columbus, OH · Charter 21715
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbus, OH · Charter 21715
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | -0.13% | 0.13% | -1.45% | -1.30% | -117 bps | |
| Return on Equity | -0.85% | -0.92% | 0.95% | -11.38% | -9.91% | -906 bps | |
| Net Interest Margin | 3.77% | 3.41% | 4.10% | 3.76% | 3.70% | -7 bps | |
| Efficiency Ratio | 91.78% | 99.71% | 96.89% | 98.97% | 103.39% | +1,161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 62.27% | 69.82% | 23.50% | 12.61% | 2.20% | -6,007 bps | |
| Loan Growth (YoY) | 20.09% | 15.94% | 26.70% | 14.10% | 15.26% | -483 bps | |
| Share Growth (YoY) | 82.26% | 89.81% | 23.67% | 13.78% | 1.97% | -8,029 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.83% | 1.60% | 4.76% | 2.43% | 3.81% | +199 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.31% | 0.75% | 0.88% | 2.26% | 1.94% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.78% | 14.41% | 14.08% | 12.77% | 13.09% | -169 bps | |
| Net Worth / Assets | 14.78% | 14.41% | 14.08% | 12.77% | 13.09% | -169 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.25% | 70.16% | 66.35% | 64.76% | 66.97% | +772 bps | |
| Liquid Assets / Assets | 49.85% | 40.37% | 43.82% | 44.92% | 42.75% | -710 bps | |